Our Mason City State Street location is currently under construction. 

During this time the lobby will be closed and the Drive-Up & ATM/ITM will remain open. For full banking services, please visit the Mason City West location at 2601 4th St SW Mason City, IA. Thank you for your patience!

FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

ACH Services

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ACH Services

With this service, you have the power to collect and submit payments electronically to and from your customers’ accounts.

ACH Services can provide your company with:

  • Convenience
  • Reduced overhead
  • Faster settlements
  • Security and accuracy superior to paper transactions

The main uses of ACH services:

  • Direct deposit for your employees
  • Transfer of funds within your subsidiaries
  • Payment of invoices electronically
  • Collection of regular monthly payments from your customers (customer authorizations needed)

How does ACH work?

A file is created and submitted to First Citizens via online banking.  The file is processed through the Automated Clearing House (ACH) network and FCB processes the off-setting debit or credit to your account

How do we get started?

1. An agreement is signed by your business and First Citizens.  We work with you to decide on what parameters need to be set to make the service efficient and effective for you.

2. Testing of a sample file is completed.

3. Transactions are scheduled.

Please contact us if you'd like additional information about ACH Services.

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